The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$113,202
−HK$7,099/mo
▼ 0.25% · 3.875%
HK$116,724
−HK$3,577/mo
Today · 4.125%
HK$120,301
baseline
▲ 0.50% · 4.625%
HK$127,621
+HK$7,320/mo
Deposit HK$24.82M · loan HK$24.82M · min. income ≈ HK$240,602/mo (50% DSR)
Upfront cash ≈ HK$26.93M (deposit + AVD stamp duty HK$2,109,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,936
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$129,314
−HK$3,426/mo
Today · 4.125%
HK$132,740
baseline
▲ 0.50% · 4.625%
HK$139,737
+HK$6,997/mo
Deposit HK$24.82M · loan HK$24.82M · min. income ≈ HK$265,480/mo (50% DSR)
Upfront cash ≈ HK$26.93M (deposit + AVD stamp duty HK$2,109,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,843
−HK$8,518/mo
▼ 0.25% · 3.875%
HK$140,068
−HK$4,293/mo
Today · 4.125%
HK$144,361
baseline
▲ 0.50% · 4.625%
HK$153,145
+HK$8,784/mo
Deposit HK$19.86M · loan HK$29.79M · min. income ≈ HK$288,722/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$2,109,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,124
−HK$8,164/mo
▼ 0.25% · 3.875%
HK$155,177
−HK$4,111/mo
Today · 4.125%
HK$159,288
baseline
▲ 0.50% · 4.625%
HK$167,685
+HK$8,397/mo
Deposit HK$19.86M · loan HK$29.79M · min. income ≈ HK$318,576/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$2,109,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,483
−HK$9,939/mo
▼ 0.25% · 3.875%
HK$163,413
−HK$5,009/mo
Today · 4.125%
HK$168,422
baseline
▲ 0.50% · 4.625%
HK$178,670
+HK$10,248/mo
Deposit HK$14.89M · loan HK$34.75M · min. income ≈ HK$336,844/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$2,109,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,311
−HK$9,526/mo
▼ 0.25% · 3.875%
HK$181,040
−HK$4,797/mo
Today · 4.125%
HK$185,837
baseline
▲ 0.50% · 4.625%
HK$195,632
+HK$9,795/mo
Deposit HK$14.89M · loan HK$34.75M · min. income ≈ HK$371,674/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$2,109,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,764
−HK$12,778/mo
▼ 0.25% · 3.875%
HK$210,102
−HK$6,440/mo
Today · 4.125%
HK$216,542
baseline
▲ 0.50% · 4.625%
HK$229,718
+HK$13,176/mo
Deposit HK$4.96M · loan HK$44.68M · min. income ≈ HK$433,084/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,109,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,686
−HK$12,247/mo
▼ 0.25% · 3.875%
HK$232,765
−HK$6,168/mo
Today · 4.125%
HK$238,933
baseline
▲ 0.50% · 4.625%
HK$251,527
+HK$12,594/mo
Deposit HK$4.96M · loan HK$44.68M · min. income ≈ HK$477,866/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$2,109,894 · Scale 2, in force from 26 Feb 2026)